If you live in an earthquake prone area, like California, it is probably a good idea to be protected. Yet only about 17% of California homeowners make the decision to get earthquake insurance. We buy insurance not just to cover us for likely occurrences, but also to protect us against
Homeowners insurance is extremely useful to have in case of emergencies, but when an emergency does happen and you have to file a claim, it can be a nightmare to your wallet! One claim, regardless of the size, can raise your insurance premium by at least 9%. File another claim,
As seen on The LA Times: Many Americans are confused about the basic elements of homeowner insurance policies, according to a new study. More than four in 10 people wrongly think that the policies cover mold damage and 73% don’t realize that the policies do cover personal items that are
There are an overwhelming number of homeowners who believe that their expensive personal belongings receive coverage under their homeowners’ insurance policy. In fact, your homeowners’ insurance policy likely specifically excludes such items. These items may include the family heirlooms your grandmother gave you, the fine china from your wedding, or
The amount of homeowners who do not understand what is covered under their homeowners’ insurance policy is overwhelming. While you may know the basic coverage options, gathered are a few extra coverage options that many homeowners have never thought about: Comprehensive homeowners’ insurance policies typically include rodent damage coverage in
As seen on The LA Times: To hear professional home inspectors tell it, Americans take better care of their automobiles than their homes. Consequently, every home buyer should plan to spend the $400 to $600 necessary to have the house they like best thoroughly examined by an independent third party.
As seen on the LA Times: Dogs may be man’s best friend. But dog bites are costing California insurers a hefty chunk of cash. Insurance companies in California received 1,919 dog bite claims last year, costing a total of $64.7 million — the highest of any state in the U.S.,
When it comes to home remodeling and renovations, you must work with a reputable and experienced contractor who is both bonded and insured. Many homeowners are surprised to hear that many home renovations are started by and deserted by fraudulent contractors. In order to avoid this costly mistake, keep these
Flooding is one of the most common natural disasters in the United States and although certain areas may be more at risk of flooding, it can happen anywhere. Your homeowners insurance policy does not offer coverage for flooding related damages so it may be time to question whether or not
If you have decided to go forward with your home improvement renovation project it would benefit you to do a little planning beforehand. Many homeowners do not take enough time to assess the risks before plunging into home renovations. Take the time to look at your options when choosing a
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